CHECConcord Homeowners Enhancement Coverages (CHEC) is a special combination of coverages automatically included at no additional cost to every homeowner policy. Compare to your current insurance policy and make certain you have all the generous benefits that CHEC provides including:

sewer and water backup protection

refrigerated goods coverage

mortgage renegotiation expense

increased counterfeit money protection

lock replacement coverage

waiver of the policy deductible in the event of a major loss, and more.

ESP+Extra Security Protection Plus (ESP+) is a unique package of coverages offered at minimal cost to our policyholders. Some of the many benefits include:

Personal Injury Protection

Sewer and Water Backup Protection

Extended Personal Property Limits

Mortgage Renegotiation Expense Coverage

Loss Assessment Coverage

Lawn Tractor Coverage

Credit/Debit Card Theft

Damage to Other's Property

SAFE DRIVER CREDITSOne of the easiest ways to save on your auto insurance is to be a safe driver. If you have no accidents or violations, you may save as much as 15%-20% on your Premium.

MULTI-CAR DISCOUNTIf you insure more than one auto on a policy, each will get a discount.

GOOD STUDENT CREDITIf the youthful automobile driver is a good student, the premium may be reduced.

DEFENSIVE DRIVER COURSE CREDITIn some states, you may be able to refresh your driving skills and reduce your auto Premium by taking a defensive driver safety course. It will be worth your time and effort to save money.

REDI-PAYCHECKRedi-Paycheck is a low cost plan to reimburse lost wages for the policyholder and each resident relative injured in an auto accident, regardless of fault. Quick and affordable, Redi-Paycheck can provide up to $15,000 for lost income.

PACEPersonal Auto Coverage Enhancements (PACE) is a free package of coverages added to every personal automobile policy. Some of the benefits you receive with PACE are:

Expanded Loss Settlement - repair without Depreciation; replacement with a new car of the same model year or newer; payment of up to the manufacturer's suggested retail price; payment of 120% of the actual cash value of the car at the time of the accident.

Glass waiver – no deductible in the event of a covered window glass loss

Disappearing Collision Deductible – NH, VT

Deductible Rewards – ME

Air Bag Replacement

Emergency Lodging & Meals

Expanded Loss Settlement – up to 24 months after purchase - repair without Depreciation; replacement with a new car of the same model year or newer; payment of up to the manufacturer's suggested retail price; payment of 120% of the actual cash value of the car at the time of the accident.

YEAR OF CONSTRUCTION CREDITBased on the age of your home, you could receive up to a 20% credit.

ESPExtra Security and Protection (ESP)is a special combination of coverages added to the homeowner policy at no extra cost to policyholders. Compare to your current insurance policy and make sure you have all the generous benefits that ESP provides, including: refrigerated goods coverage, mortgage renegotiation expense, increased counterfeit money protection, and lock replacement coverage.

HOMEOWNERS ADVANTAGE CREDITS (MASSACHUSETTS ONLY) You may be eligible to receive Advantage credits if you...